A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 28, 2021

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The GMC Sierra model is one of the most popular pickup trucks on the market. Customers have a lot of glowing things to say, but that doesn’t mean that the insurance cost is going to be low, so you may want to slow your rush to the dealership. The cost to insure a new GMC Sierra will vary based upon many factors, but the average cost is about $1,200 per year for an auto insurance policy on this truck.

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Of course, there are several things that will impact the cost to insure a GMC Sierra. You may end up paying significantly more or less than this national average.

What is an example of insurance cost when it comes to a GMC Sierra?

The GMC Sierra is relatively expensive to insure compared to other vehicles. The national average for car insurance is around $800. In contrast, the approximate cost to insure a new GMC Sierra is $1,200 annually.

Part of the reason why car insurance coverage for the GMC Sierra is so expensive is its retail price and value.

One of the factors that affect the insurance costs of a vehicle is its replacement cost. If your car is destroyed by accident or theft, the insurance company will have to reimburse you for its value. According to Automobile Magazine, the GMC Sierra has a sticker price starting at over $27,000 before options.

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Are there specific factors that affect those rates?

Although the national average for insurance on a new GMC Sierra is $1,200 per year, actual costs may vary greatly. There are several factors that influence the cost of coverage policies for the Sierra, and any other vehicle as well.

Where you live plays an important role in how much you pay for car insurance. Currently, Louisiana, Oklahoma, and Michigan are the three most expensive states for automobile insurance, according to CBS News. The least expensive states to insure a car are Wisconsin, Iowa, and Maine.

Besides just your home state, your city, and ZIP code will affect your car insurance rates. If you live in a high crime area, you will have a higher auto insurance premium because of the increased risk of theft of damage to your vehicle.

There are actually some steps that you can take on a personal level to be offered low auto insurance costs. For instance, your personal driving record plays a big part in determining your auto insurance premium. By practicing safe driving techniques, you could end up saving yourself some money. Plus you’ll make safety a priority, which can never be a bad thing.

Drivers who have a clean record, free of speeding tickets and accident reports, will get the best rates. If you have moving violations, a history of accidents, or a DUI/DWI, you will end up paying more expensive auto insurance rates.

Young drivers pay more for auto insurance coverage because they are statistically more likely to be involved in an accident.

Rates will also vary depending on whether or not you have additional insurance on your vehicle. There are state regulations that determine what the minimum amount of coverage is necessary, but after that it’s up to the policy holder to determine what they want to include on their policy. If you decide that you want optional coverages, that’s going to increase your average rate. Going with the minimum will grant you cheaper rates, but you may not get the level of protection you’re after.

Finally, the type of vehicle and how you plan to use it are factors that influence the cost of insurance. While the average annual insurance cost of a new GMC Sierra is around $1,200, you are likely to pay significantly less for an older model Sierra. The more your car depreciates, the less expensive your car insurance will be (to a point). This is because the replacement value of the vehicle is declining.

You can also be eligible for a better rate if you don’t drive frequently. Drivers who spend more time on the road have a higher risk of being involved in an accident. Conversely, drivers who can prove that they put low mileage on their vehicles are often eligible for a discount on their car insurance policy.

How can you ensure you’re getting the right rates?

Finding insurance doesn’t have to be overwhelming. There are many options out there, but if you do your research and know what you’re looking for, you can find a policy and an auto insurance company that is a great deal and a great fit for your needs.

You should start by understanding the level of coverage that you need. Research the minimum requirements in your state and consider your budget and the possible scenarios in which you would need coverage.

While it may be tempting to choose the lowest priced policy, make sure you are getting coverage that will protect you in case of an accident of other unforeseen event.

Next, research some companies in your area. Don’t just go for the first quote you receive; get information from multiple sources and compare. Look at what other people are saying about the companies out there, and make sure their websites have accurate content. The last thing you want to do is sign a deal with a company that provides misinformation.

Talk to customer service agents, as what the difference is between an annual premium and a monthly premium. Remember, you will want to compare the features and benefits of the policies, not just the prices. Paying once a year rather than once a month could actually end up saving you money, but you may not necessarily get the coverage you want. Plus, by researching companies, you could end up finding insurance packages through either your current provider or another company. Bundling is an excellent way to reduce your expenditures.

If you are looking for the best price on auto insurance for a GMC Sierra, you can get started today! By doing your research and being a smart shopper, you may end up paying less than the national average for your GMC Sierra auto insurance policy. You can do this on your own or with an insurance agent, or you can even begin with a comparison tool in order to find affordable car insurance.

Enter your ZIP code below to find the best car insurance rates in your area!